Disburse Faster. Collect More. Operate With Fewer People Doing Manual Work.
NBFCs and lending institutions manage loan origination, KYC, underwriting, disbursement, and collections — each involving multiple teams, documents, and touchpoints — all at high volume and under regulatory scrutiny. Round Infinity connects every borrower interaction and internal lending workflow on one platform so your credit, operations, and collections teams stop chasing documents and start closing more loans while recovering more efficiently.
Asset Finance & Vehicle Loan NBFCs
Home Loan & Mortgage Companies
Microfinance Institutions (MFIs)
MSME & Business Loan Lenders
Gold Loan & Secured Lending Companies
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How Round Infinity AI & automation works for NBFCs & Lending:
✓Loan Origination & KYC — Multi-channel lead capture, digital KYC document collection, identity verification, and application completeness tracked automatically before the credit team reviews
✓Credit Assessment & Approval — Bureau queries, income verification, and field investigation routing all managed through configurable approval workflows with multi-level authority chains
✓EMI Reminders & Collections — Multi-step WhatsApp and AI voice call sequences for EMI reminders; delinquency management by bucket before field agent involvement
✓Field Collections & Recovery — Field agent assignment with GPS-tracked visits; digital outcome capture; cash receipt and partial payment recording on mobile app
✓Borrower Self-Service Portal — Borrowers check loan balances, download statements, view repayment schedules, make payments, and raise service requests 24/7 without calling the branch
✓Compliance & Audit Trails — Every document action, approval, and interaction logged with timestamps; RBI and regulatory reporting workflows automated from the platform
65%
Faster Loan Origination & Disbursement TAT
70%
Improvement in Pre-Delinquency EMI Collection Rate
50%
Reduction in Field Collection Cost Per Account
The Complete NBFC Borrower Lifecycle — Automated
From the first loan inquiry to KYC, disbursement, EMI collection, field recovery, and loan closure — every step tracked without manual handoffs.
Lead Capture & Loan Inquiry
1
Borrower inquires about a loan — via branch walk-in, DSA referral, website, outbound campaign response, or WhatsApp; AI agent collects basic eligibility details — loan amount, purpose, income, and employment type — and pre-qualifies the lead before human follow-up.
2
Lead assigned to the credit or sales officer — qualified lead routed to the appropriate officer based on product type and geography; officer receives all captured details and is prompted to follow up within the SLA.
KYC & Document Collection
3
Document checklist sent to applicant via WhatsApp — KYC documents, income proof, bank statements, property documents, and co-applicant details requested digitally; completeness of each document tracked; automated follow-up for missing items without officer involvement.
4
KYC verification completed — Aadhaar and PAN verified; address proof reviewed; identity confirmed; CERSAI and bureau check triggered automatically; any discrepancy flagged to the KYC officer with specific instructions for resolution.
5
Field investigation assigned where required — for home loans, MSME loans, or secured products, a field investigator is dispatched to verify address and business premises; GPS-tracked visit with digital verification report submitted from mobile app.
Credit Assessment & Loan Approval
6
Credit bureau and income assessment completed — CIBIL or Equifax bureau report fetched; income analysis run on bank statements; debt-service coverage ratio calculated; application presented to the credit team with full assessment summary.
7
Multi-level approval workflow executed — loan amount determines the sanctioning authority level; application moves through the approval chain automatically; each approver receives the full assessment file; conditional approvals managed with document conditions tracked.
8
Applicant informed of sanction or decline — sanction letter generated with approved amount, tenure, and EMI schedule; sent to applicant via WhatsApp for acceptance; declined applicants receive a reason and are guided on re-application eligibility.
Disbursement & Loan Activation
9
Loan agreement and documents executed digitally — loan agreement generated from the sanction terms; sent for digital signature; NACH debit mandate registered; post-dated cheques or security documentation confirmed before disbursement is released.
10
Disbursement processed and confirmed — disbursement instruction sent to finance on final document check; transfer executed to borrower bank account; disbursement confirmation and repayment schedule sent via WhatsApp; loan account activated in the system.
EMI Reminders & Collections
11
Pre-EMI reminder sent automatically — WhatsApp message and payment link sent 5 days and 1 day before each EMI due date; NACH debit confirmation sent on the due date; online payment receipt delivered immediately on payment.
12
Missed EMI triggers digital collections sequence — AI outbound voice call placed on the day of default; WhatsApp message sequence over the following 7 days with payment links; soft reminder tone in early days graduating to firmer communication for buckets beyond 30 DPD.
13
Human collections agent engages for escalated accounts — accounts crossing the defined DPD threshold assigned to a collections officer; officer receives full account history, contact details, and prior interaction notes; digital outcome capture after every contact attempt.
Field Collections & Recovery
14
Field collection agent dispatched for hard-to-reach accounts — field agent assigned with borrower address, loan account details, outstanding amount, and visit notes on mobile app; GPS-tracked visit with real-time location visible to the collections supervisor.
15
Visit outcome captured digitally — field agent records payment collected, promise-to-pay date, contact made or not made, and any security-related observations on mobile; outcome synced to the collections dashboard in real time.
16
Settlement or restructuring workflow triggered where applicable — for NPA or severely delinquent accounts, settlement offer workflow triggered with multi-level approval; restructured repayment plan generated and communicated to borrower digitally.
Loan Servicing & Closure
17
Borrower service requests handled via self-service — requests for statements, interest certificates, NOC, foreclosure quotes, and address changes handled via portal or WhatsApp without branch visit for standard requests.
18
Loan closed and NOC issued digitally — on final repayment or foreclosure, closure confirmation sent; no-objection certificate generated and delivered via WhatsApp and portal; borrower invited to apply for a top-up or new product.
Every NBFC & Lending Workflow Automated
From origination and underwriting to disbursement, collections, field recovery, and compliance — one connected lending operations platform.
📄 Loan Origination & KYC
- Multi-channel lead capture and pre-qualification
- Digital document checklist and upload tracking via WhatsApp
- Aadhaar, PAN, and bureau verification automation
- Field investigation dispatch with GPS tracking
- Application completeness monitoring and follow-up
💸 Credit & Underwriting
- Bureau and income analysis routing
- Multi-level sanctioning authority workflows
- Conditional approval and document condition tracking
- Sanction letter generation and digital acceptance
- Loan agreement and NACH mandate management
📞 EMI Reminders & Digital Collections
- Pre-EMI WhatsApp reminders with payment links
- AI voice bot outbound calls for missed EMIs
- Multi-step delinquency escalation sequences by DPD bucket
- NACH bounce follow-up and alternate payment routing
- Collections dashboard with bucket-wise portfolio view
🚘 Field Collections & Recovery
- Field agent assignment with GPS-tracked visits
- Digital outcome capture — collected, PTP, or no-contact
- Cash receipt and cheque collection logging on mobile
- Settlement and restructuring approval workflows
- Field team performance and recovery rate dashboards
📱 Borrower Self-Service Portal
- Loan account balance and EMI schedule access 24/7
- Online payment via UPI, net banking, or payment link
- Statement, interest certificate, and NOC download
- Foreclosure quote request and processing
- Service request tracking and grievance management
📊 Compliance & Reporting
- Full audit trail on every document, approval, and action
- RBI Fair Practice Code compliance workflow support
- CERSAI, bureau reporting, and NPA provisioning workflows
- Regulatory grievance management and resolution tracking
- Portfolio quality, PAR, and collections efficiency dashboards
Why Round Infinity Fits NBFC & Lending Operations
Lending requires tight coordination between origination, credit, disbursement, collections, and compliance — Round Infinity connects every team on one platform.
💬 WhatsApp-First Borrower Experience
- Borrowers apply, submit documents, pay EMIs, and get statements — all on WhatsApp
- AI handles routine queries 24/7 without branch staff involvement
- Every borrower interaction logged against the loan account
🚘 End-to-End Collections in One Platform
- Digital reminders, AI calls, human agents, and field visits — all connected and escalating in sequence
- No data gaps between collections desk, field team, and finance
- Real-time DPD tracking and bucket-wise portfolio visibility
⚖️ Compliance-Ready by Design
- Full audit trail on every approval, document, and interaction
- RBI Fair Practice Code and KYC compliance workflows built in
- Configurable for secured, unsecured, gold, vehicle, and MFI lending
Build Custom NBFC Applications — No Coding Required
- Top-Up Loan & Balance Transfer Origination Portals
- DSA & Connector Onboarding & Commission Portals
- Co-Lending Partner Coordination Workflows
- Insurance Cross-Sell & Loan Protection Campaigns
- NACH Registration & Mandate Management
- Legal Notice & Recovery Workflow Management
- Securitization & Assignment Documentation Portals
- MFI Group Loan Origination & Joint Liability Workflows
- Gold Loan Renewal & Auction Management
- Credit Bureau Reporting & Score Improvement Campaigns
Disburse More Loans. Recover More EMIs. Run a Tighter Lending Operation.
Your borrowers get faster loan decisions and a service experience they can rely on.
Your credit and collections teams spend less time on manual follow-up and more time on the decisions that matter.
Your compliance and leadership teams get complete visibility across the entire loan portfolio from one dashboard.